LISTING OF THE WEEK
The Springwood’s open and relaxing ambience begins before you even step inside. For starters, the covered porch of this traditional ranch-style home measures in at a lofty 11 feet high.
The Listing of the Week is a large contemporary home with two master’s suites and a pool in Norman’s Shadowridge addition.
Mi-Ling Stone Poole
THE OKLAHOMAN | NEWSOK.COM
SATURDAY, NOVEMBER 13, 2010
Building a secure future GLOBELINK | COUPLE WORK TOGETHER TO ESTABLISH SECURITY SYSTEM, INSURANCE AND ROOFING COMPANIES BY TIM FALL
Fall is one of my favorite times of the year to decorate because it’s all about comfort, and it doesn’t require putting up multiple Christmas trees or stringing lights.
CREATE SOME ACCENTS
Bill Davey, who built Globelink Home Security with his wife, Andrea, looks through a window displaying his company’s logo at Damian and Michelle Rodriguez’s home in northwest Oklahoma City. PHOTO BY STEVE GOOCH, THE OKLAHOMAN
Damian and Michelle Rodriguez with their sons James, 1, and Triston, 5, are in the kitchen of their Globelink Home Security-protected home in Oklahoma City. PHOTO BY STEVE GOOCH, THE OKLAHOMAN
to Rodriguez’s still-unoccupied northwest Oklahoma City/Edmond-area house, Davey said. “They kept away after
that,” Rodriguez said. Davey — who is still head of sales for Globelink — said he spent a lot of evenings “sitting around
kitchen tables” with clients, planning home security systems, and the sub-
The couple wanted to start a business together, but Bill Davey said they were wary of anything that didn’t guarantee them regular monthly income. In other words, they wanted security. And they got it — in more ways than one.
SEE SECURITY, PAGE 2F
Plan before making pre-retirement move Though many people fear making a housing change in the current economy, Thomas J. Casey, a veteran financial planner, senses opportunity for those over age 55 who wish to act now to lock in low housing costs for their future retirement years. “Right now mortgage rates are probably as low as you’ll see in your lifetime. And in many areas, home prices are dramatically better than they’ve been in a very long time,” Casey said. For many in their preretirement years who plan to remain in the same area, downsizing in the current market makes sense, he said. “This is the time when it’s wise for older people to lock in lower housing costs for the future — assuming they can sell their present house for a reasonable
GET COZY THIS FALL
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Almost 16 years ago, Bill Davey and his wife, Andrea, were newlyweds searching for a way to put their business and finance degrees from the University of Central Oklahoma to work in the real world. The couple wanted to start a business together, but Bill Davey said they were wary of anything that didn’t guarantee them regular monthly income. In other words, they wanted security. And they got it — in more ways than one. Realizing “home security is a service that people need in all economic climates,” the Daveys created Globelink Home Security and began installing residential and commercial security systems in 1995. The headquarters is at 1021 NW 6. Bill Davey said he looked at security companies operating in the area and “figured I could make the same model work.” He figured right. Nearly 16 years later, customers such as Damian Rodriguez are trusting their homes and their businesses to Globelink. Rodriguez, referred by a friend to Davey’s security monitoring for his businesses, CDR Electronics and CDR Global, said he found an unusual need for security monitoring while he was building a new home in 2007. “The price of copper was way up,” Norman native Rodriguez recalled. “As soon as my electrical contractor could run wiring” through the barelyframed-and-drywalled new house, thieves made off with it. This happened three times. Rodriguez said he knew whom to call. “We were able to do something kind of creative,” installing motion detectors and monitoring
Ellen James Martin SMART MOVES price,” Casey said. But Eric Tyson, co-author of “Personal Finance for Seniors” (a book in the “Dummies” series), cautions that those over age 55 should be especially careful when making any major real estate decision. “That’s because doing a ‘round trip’ on housing — selling one house and buying another — can cost you a lot in fees, commissions and moving costs. You want to be sure the move is a good fit for you,” he said. Here are pointers for those contemplating a pre-retirement move: Get an analysis of
your full financial picture. One obvious way to develop a comprehensive plan is with the help of a financial adviser. If you choose that route, Tyson recommends you pick an adviser who’s compensated on a fee-only basis, meaning the planner doesn’t receive commissions by selling you stocks, bonds or insurance products. You can find the names of fee-only planners through the National Association of Personal Financial Advisers (www.napfa.org). Alternatively, Tyson suggests you consider hiring a Certified Public Accountant to assist you in the planning process. One way to find a CPA who specializes in personal finance is through the American Institute of Certified Public Accountants (www.aicpa.org). This organization maintains a list
of CPAs who’ve earned the “Personal Financial Specialist” designation. Cut your outlays for financial planning by doing preparatory work yourself. One key step toward the creation of a solid financial plan involves an analysis of your spending patterns. You need to know how much it’s now costing you to live — both in terms of mandatory expenses (such as out-of-pocket health care expenses) and discretionary outlays (such as restaurant bills). To avoid paying an adviser to assist with this preliminary work, Tyson suggests you pull out your checkbook and credit card statements and tabulate the numbers before going to see a planner. Take a conservative view of future housing appreciation. While Tyson acknowl-
edges that many over age 55 still have “a fundamental cultural belief in real estate,” he argues against real estate as the primary centerpiece of a retirement plan, no matter how inexpensively it’s acquired. Once real estate markets strengthen, as they’re starting to do in some areas, Tyson projects that “the communities where the employment picture is most stable are the ones coming back first. But even if you’re buying in one of those areas, don’t expect appreciation to bail you out if you overspend your budget.” He said few can expect to make a profit on a home they purchase in 2010 unless they expect to hold the place for at least five to seven years at the minimum. E-mail Ellen James Martin at firstname.lastname@example.org. UNIVERSAL UCLICK
Using recycled materials in the garden is hardly new, but few do it with Matthew Levesque’s flair. Levesque creates custom artwork, furniture and lighting for garden designers and has had his work featured on national TV. He shares ideas and techniques for creating garden accents from castoffs in “The Revolutionary Yardscape: Ideas for Repurposing Local Materials to Create Containers, Pathways, Lighting, and More.” The book is geared toward gardens with a contemporary style. His ideas can be copied literally, but he also helps readers look at old junk with fresh eyes and come up with their own reuses. “The Revolutionary Yardscape” is published by Timber Press and sells for $22.95 in softcover.
OIL-FUEL MIX HITS SHELVES TruFuel eliminates the need to mix gas and oil for power equipment such as leaf blowers and chain saws. TruFuel is a premixed combination of an engineered fuel and a synthetic lubricant, made for the aircooled, two-cycle engines used in hand-held power equipment. It’s available in both 40:1 and 50:1 mixes, called TruFuel 40 and TruFuel 50. The fuel contains no potentially corrosive ethanol and won’t break down quickly like regular gasoline, according to its manufacturer, TruSouth Oil. The company said it stays fresh for two years after the can is opened. TruFuel is available at some Ace Hardware stores, some O’Reilly Auto Parts stores and some Wal-Mart stores. TruFuel can also be ordered at http://www.trufuel50.com. MCCLATCHY-TRIBUNE INFORMATION SERVICES
INDEX Permits Harney
SATURDAY, NOVEMBER 13, 2010
Damian and Michelle Rodriguez’s home in northwest Oklahoma City is protected by Globelink Home Security, one of several businesses owned and operated by Bill and Andrea Davey. PHOTO BY STEVE GOOCH, THE OKLAHOMAN
Security: roofing business added FROM PAGE 1F
ject of homeowner’s insurance rates would inevitably come up. “Families were looking at saving 20 to 25 percent off their rates with a security system,” he said. The natural question was: “What is your rate to begin with?” A light bulb popped on when Davey realized he could offer insurance to his home security clients, saving them telephone time on hold, tire tread and money. Today, acting as a broker for 15 insurance companies, Davey Family Insurance Co. is “where the relationship starts” with most homeowners, Davey said. Pursuing their goal of creating a “one-stop shopping environment,” Bill and Andrea Davey expanded into telephone, Internet and cable television installations, in addition to home security, in 2004. Aside from some anonymous online grumbling by customers surprised by automatic security contract renewals despite it being spelled out in sign-
Andrea and Bill Davey started Globelink Home Security in 1995. That led them to start Davey Family Insurance Co. More recently, they started a company that installs television, Internet and cable TV systems, and Wilco Roofing and Re-Roofing. PHOTO BY STEVE GOOCH, THE OKLAHOMAN
up paperwork, Davey said his businesses have grown steadily. The latest service the Daveys have integrated is Wilco Roofing and ReRoofing, a company developed to help homeowners with roofing and other
types of home repairs arising from insurance claims. Wilco’s customers “enjoy the convenience of our working with them on claims,” Davey said. “We not only assist with claims paperwork, but we can also send out a roofing
crew” to do the repairs. The Daveys recently purchased an office building at the western edge of downtown Oklahoma City, from which Bill Davey will continue to head up sales while Andrea runs the business side.
Home buyers fall through cracks despite their good-faith efforts BY MARY ELLEN PODMOLIK Chicago Tribune
CHICAGO — Rogelio Huerta and Maria Soto did everything they were supposed to do to reduce the monthly mortgage payments on their Bellwood, Ill., home. Facing a cash crunch because his work hours were cut, they sought help from PNC Mortgage while they were still current on their payments. At its suggestion, they met with a housing counselor who helped them get a trial loan modification, and they made all the payments on time for 13 months. They also followed the advice of housing counselors to set aside money left over, putting off home and car repairs, while they waited to learn whether their reduced payment plan would be made permanent. After more than a year, their application was denied, meaning their home is likely headed to foreclosure. The bank’s reasoning? The family’s $7,160 in savings, including a $5,218 income tax refund, accumulated during the year it took the bank to review the application, meant they were too well off to qualify. “I was just following whatever they said to do,” a choked-up Huerta, the father of two boys, said recently. “I’m not looking for something for free. I’m just looking for a payment that can save my family.” Like Huerta, the frustrations of the past year have caused red-rimmed eyes among counselors working on their file, because they just don’t understand how a family like Huerta and Soto’s can be turned away. “These are the very borrowers you want,” said Liz Caton, director of counsel-
Rogelio Huerta, center left, and his wife Maria Soto, far right, with their two boys, David Huerta, 7, left, and Richard Huerta, 6, sit on the front steps of their home in Bellwood, Ill. Facing a cash crunch because Huerta’s work hours were cut, the couple applied for a reduced mortgage payment plan, which was denied, meaning their home is likely headed to foreclosure. MCCLATCHY-TRIBUNE INFORMATION SERVICES PHOTO
ing services at the Northwest Side Housing Center in Chicago. “These are the homeowners who have jobs, who are working on budgeting and saving. It seems to be a no-brainer when you ask the question is it in (the bank’s) best interest to help this homeowner or not.” It was with high hopes that President Barack Obama announced the Home Affordable Modification Program in early March 2009 to assist honest homeowners who were working but struggling. Almost 20 months later, the program has gone through many revisions and been labeled a failure by critics. Huerta and Soto’s story illustrates how the best intentions of homeowners to hold up their end of an agreement can work against them in a system overwhelmed by demand and strained by capacity. In recent weeks, some of the nation’s biggest lenders
have suspended foreclosures amid allegations of sloppy paperwork and legal shortcuts. Huerta, who remained positive during the first eight months of the ordeal, has now lost all faith in the system. But he remains resolute. “I’m not going to leave my home,” he said. A spokesman for PNC said the bank cannot comment on a particular customer. A year ago, Huerta, 32, and Soto, 35, were current on the $1,541 monthly mortgage for the home they bought in 2003 for $178,000, but when his job as a machine operator was transferred, the increased commuting expenses cut into their savings. Then his hours were cut, from 40 hours a week to 32. Soto works as a hotel housekeeper, but only on weekends so they don’t have day-care expenses. The couple tapped their savings to pay the mort-
gage, but Huerta knew that was a temporary fix. A PNC customer representative suggested they contact a housing counselor certified by the federal Department of Housing and Urban Development. Huerta and Soto applied for, and received, a HAMP trial modification with a payment of $948.46 that started in October 2009 and was to last for four months while their file was reviewed. On Sept. 27, Huerta sent in the October trial payment, the 13th payment of its kind, and it was accepted. The rejection letter, which listed the reason for the denial as “asset review determination,” was dated Oct. 7. In follow-up conversations with PNC, counselors said they were told that if Huerta and Soto had saved about $2,500 less, a permanent modification would have been granted. MCCLATCHY-TRIBUNE INFORMATION SERVICES
THE OKLAHOMAN | NEWSOK.COM
THE OKLAHOMAN | NEWSOK.COM
Habitat homes go up in 7 days for 2 families FROM STAFF REPORTS
Two families will own their first homes as a result of Central Oklahoma Habitat for Humanity’s Builders Blitz, which had Home Creations in Moore and 4Corners Homes in Edmond each building a home in seven days. The families of Janeka Jordan and Quang Duc Tran made the commitment as the first step toward homeownership. Home Creations and 4Corners Homes also participated in the Builders Blitz in 2006 and 2008. “Being a part of the Builders Blitz gives us an opportunity to use our skills to benefit others,” said Dusty Boren, coowner of 4Corners Homes. “These homes will be built to LEED (Leadership in Energy & Environ-
mental Design) standards with both safety and comfort in mind,” he said. The ability to work directly with the homeowner is a special feature of the Builders Blitz, said Mohammad Farzaneh, coowner of Home Creations. “The families are always willing to help in any way possible, and it gives us a chance to get to know them,” he said. “It’s really inspiring to see their determination.” Jordan is a single mom living with her 18-year-old daughter and her granddaughter. She has worked at Lexis Nexis as an audit representative for the past four years and said she hopes to one day go back to college for training in the medical field. “I want my family to be SEE HOMES, PAGE 4F
SATURDAY, NOVEMBER 13, 2010
SATURDAY, NOVEMBER 13, 2010
THE OKLAHOMAN | NEWSOK.COM
Homes: Builders Blitz puts up houses in Edmond, Moore FROM PAGE 3F
happy and to have a solid place to call home and have more room for my other grandchildren to come visit,” she said. Tran lives with his wife, Thu Thi Ngo, and two sons, 5 and 1. Tran and his wife have lived in the United States for more than two years and currently reside in a one-bedroom, one-bathroom apartment. Tran said working with Habitat for Humanity will provide a stable environment to achieve their goals of homeownership. Tran has worked as a machine operator at API since 2009, and his wife works as a manicurist. Both would like to go to school and plan to save money to enable their children to attend college. Ann Felton, chairman and CEO of Central Oklahoma Habitat for Humanity, said the Builders Blitz gives residents an opportunity to support a positive in their community. “Safe, affordable homes have shown to help improve social stability and security in the surrounding community as well as health, education and job prospects for homeowners,” she said. “The Builders Blitz gives community members an opportunity to donate their time in an effort to improve the lives of individual families and Oklahoma City as a whole.” Habitat has worked to build decent, affordable homes for hardworking, limited-income families in the Oklahoma City area for more than 20 years. Families are chosen based on need, ability to pay and willingness to partner. Partner families are also expected to contribute at least 300 hours of “sweat equity” into building their homes. In exchange, Habitat for Humanity is able to sell homes at cost with no interest or down payment.
Staff from 4Corners Homes in Edmond built this home at 8501 N Phillips in a week as part of Central Oklahoma Habitat for Humanity’s Builders Blitz project. PHOTO BY DAVID MCDANIEL, THE OKLAHOMAN
Staff from Home Creations in Moore built this house at 701 NE 85 in seven days during Central Oklahoma Habitat for Humanity’s Blitz Build project. PHOTO BY DAVID MCDANIEL, THE OKLAHOMAN
Left: Kevin Wagner installs a baseboard during the Central Oklahoma Habitat for Humanity Builder Blitz/Home Creations project at 701 NE 85. PHOTO BY DAVID MCDANIEL, THE OKLAHOMAN
THE OKLAHOMAN | NEWSOK.COM
SATURDAY, NOVEMBER 13, 2010
Cozy up to fall with a few simple decor changes Fall is one of my favorite times of the year to decorate because it’s all about comfort, and it doesn’t require putting up multiple Christmas trees or stringing lights. Preparing for fall is a ritual for most of us who live in an area with multiple seasons. When cool weather approaches, we dig out our favorite sweaters and put away summer clothing to find ways to stay warm. When it comes to our home, preparation is just as important. Whether it’s planning for football season, family gatherings or turkey day, we need to create a place that will provide comfort and fun for all indoor activities. Here are a few items that should be on your list when cozying up for the fall:
Mi-Ling Stone Poole ASK MI-LING
Storage containers: Consider using a large trunk or storage chest behind your couch instead of the traditional sofa table. A shorter surface will allow you to add height that won’t block the view of the football game. It’s also a nice spot to place snacks for the game. Keep a pair of nesting tables or trays on hand for serving and eating. The added benefit of using a trunk or chest is not only for the storage but for the surface space as well. Layer the top of the chest with a rug, mat or table runner, as well as a vase of fresh flowers and few family photos. Then fill the inside with warm and cozy blankets or your favorite magazines. Lamp shades: For fall, put away those white or cream shades and infuse color into your home with
Associate joins Prudential office MIDWEST CITY — Amanda LoGiudice has joined Prudential Alliance Realty, 1212 S Air Depot Blvd., Suite 11, as a residential real estate sales associate. She and her family moved to the Oklahoma City area in 2008. She is retired from the Army.
earth tones and bold colors. Candles: Add color and comfort with candles. Vanilla, cinnamon, pumpkin and apple are sure bets for fall. Your home will smell as if you were baking all day, and the candles will sooth the soul.
Rugs and blankets: Layering your home will add instant comfort and warmth. Add a rug in a warm coco hue or a fun pattern with warm color tones. Don’t forget the pillows! For more holiday design tips check out this event.
The Edmond Women’s Club is having its major fundraiser with this year’s “Holiday Home Tour” Nov. 20-21. Eight homes in the beautiful Lakeside at Oakdale addition in Edmond will be decorated for the holidays by local designers and retailers. Tick-
ets are $15 in advance and $20 the day of the event and can be bought at www.ewc.org. Now go out and create your own unique comfort zone! If you have a decorating dilemma, contact Mi-Ling Stone Poole through her website, www.mi-ling.com.
SATURDAY, NOVEMBER 13, 2010
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New homes tend to be smaller, survey shows FROM WIRE REPORTS
WASHINGTON — A new look at housing starts based on data from the Census Bureau shows that single-family homes continued to get smaller last year, and the downward trend is likely to last significantly beyond the end of the recession. From a peak of 2,268 square feet in 2006, the median size of new single-family homes dropped consistently through last year, when the size was down to
LEARN MORE To read the entire report, “Characteristics of SingleFamily Homes Started in 2009,” go to WWW.NAHB.ORG/ SFHSTARTS2009
an even 2,100 square feet, according to a study by economists at the National Association of Home Builders.
In the early 1980s, when mortgage interest rates climbed to astronomical heights, home sizes experienced a similar decline, but only temporarily. Today’s downsizing trend is likely to last longer, the report said. “A new housing market is emerging, and even with the recession in the rearview mirror, we expect the popularity of smaller homes to persist,” said Bob Jones, the association’s chairman and a homebuilder from Bloomfield Hills, Mich. “Builders are re-
sponding to a new mindset among homebuyers that has been shaped not just by a weak economy, and it is transforming the product they deliver.” The decline in size can be attributed to factors such as the desire to keep energy costs down, the amount of equity in existing homes available to be rolled over into new ones, tighter credit standards, less interest in buying a home as an investment, and a growing presence of first-time buyers.
“While the Census Bureau shows characteristics for new homes that have been completed in a given year, we decided to tabulate the characteristics for the homes that were started,” said Paul Emrath, the report’s author and association vice president for survey and housing policy research. “This eliminates several months of lag time while the home is being constructed and can provide a more current picture of the marketplace, which has been changing rapidly.”
SATURDAY, NOVEMBER 13, 2010
SATURDAY, NOVEMBER 13, 2010
THE OKLAHOMAN | NEWSOK.COM
LISTING OF THE WEEK
Springwood’s charm begins at door The Springwood’s open and relaxing ambience begins before you even step inside. For starters, the covered porch of this traditional ranch-style home measures in at a lofty 11feet high. Inside, the expansive vaulted entry is awash in natural light that filters in through sidelights, a transom and a window grid in the upper section of the door. And that’s just the beginning. Vaulted ceilings are generously supplied throughout. Double doors on the left side of the entry, for example, open into a vaulted room that could be a study, home office or media room. And at the far end of the entry hall, you step into a spacious great room, which is also vaulted. A gas fireplace nestles into one corner, near windows that fill more than half of the rear wall. One in a trio of tall framed-glass panes opens out onto a partially covered patio, which could be screened. The kitchen, with a 9foot-high ceiling, is also a part of the great room. Standing at the sink or its long counter, you can keep a running tally of goingson in the great room, patio and beyond. At the same time, you can chat with family or friends ranged along the lengthy eating and conversation bars. Appliances are built in, and a roomy walkin pantry nestles into one corner. An arched passageway leads into the left wing, which houses the deluxe owners’ suite plus a passthrough utility room that links with the Spring-
The Listing of the Week is at 609 Shadow Grove in Norman. PHOTO PROVIDED
Shadowridge home offers 2 master suites The Listing of the Week is a large contemporary house with two master suites and a pool in Norman’s Shadowridge addition. The 3,800-square-foot house has five bedrooms, 5½ baths, two living rooms, two dining areas and an attached side-entry three-car garage. The remodeled kitchen has a breakfast bar and work island. There is an enclosed courtyard entry and large covered patio overlooking a landscaped yard and the pool. Each bedroom has a full bath. The oversized laundry room can accommodate an extra dryer. The house has a central vacuum system, security system, underground sprinkler system, circle drive and double-glazed windows and storm doors. Built in 1985, it is listed for $369,500 with DaOnne Olson of Dillard Group Real Estate. Open house is from 2 to 4 p.m. Sunday. From Interstate 35, take the Lindsey Street exit; go west on Lindsey, which soon curves north and becomes 36th Ave. SW. Turn west on Shadow Ridge Drive, then north on Shadow Grove. For more information, call 919-7930 or 366-7707. Nominations for Listing of the Week are welcome. Send information on single-family homes to The Oklahoman, Richard Mize, P.O. Box 25125, Oklahoma City, OK 73125. Nominations may be faxed to 475-3996.
Reverse mortgages to be topic FROM STAFF REPORTS
wood’s three-car garage. A coffered ceiling adds a touch of elegance to the owners’ suite, which has its own private access to the rear patio. Two more bedrooms and a bathroom
fill a wing on the opposite side of the home. For a review plan, including scaled floor plans, elevations, section and artist’s conception, send $25 to Associated Designs,
1100 Jacobs Drive, Eugene, OR, 97402. Please specify the Springwood 30-772 and include a return address when ordering. For more information, call (800) 634-0123.
USE Federal Credit Union will present a free educational seminar to explain reverse mortgages at 5:30 p.m. Thursday at the main branch, 4301 S Interstate 44. A reverse mortgage is often a solid solution allowing senior homeowners to remain in their homes throughout their retirement years when income traditionally drops off or disappears, according to the credit union, formerly known as U.S. Employees Federal Credit Union. Food, refreshments and door prizes will be offered at the seminar. For more information or to register for the event, call 685-6200, ext. 106. The credit union is just off I-44 at SW 44.
THE OKLAHOMAN | NEWSOK.COM
Permits Glover Smith Bode, 2400 NW 36, Sequoyah Elementary School, add-on, $43 million. Flintco Inc., 333 W Sheridan Ave., training center, erect, $12 million. Case Development Corp., 14025 N Eastern Ave., apartment, erect, $1,329,600. Case Development Corp., 14025 N Eastern Ave., apartment, erect, $1,329,600. Case Development Corp., 14025 N Eastern Ave., apartment, erect, $1,260,000. Case Development Corp., 14025 N Eastern Ave., apartment, erect, $1,260,000. Case Development Corp., 14025 N Eastern Ave., apartment, erect, $1,027,200. Case Development Corp., 14025 N Eastern Ave., apartment, erect, $946,800. Case Development Corp., 14025 N Eastern Ave., apartment, erect, $946,800. Case Development Corp., 14025 N Eastern Ave., apartment, erect, $946,800. Case Development Corp., 14025 N Eastern Ave., apartment, erect, $946,800. Rick Russell Homes Inc., 8024 NW 134 Terrace, resi-
Bethany/ Warr Acres
dence, erect, $700,000. Case Development Corp., 14025 N Eastern Ave., apartment, erect, $664,800. John Birsnter, 922 NW 91, parking, remodel, $458,000. YMCA of Greater Oklahoma City, 12100 N Rockwell Ave., recreation center, remodel, $400,000. Brideway Estates LLC, 5200 NE 131 Court, residence, erect, $350,000. Heartland Homes LLC, 18505 Salvador Road, residence, erect, $295,000. Biltrite Construction LLC, 18909 Butterfly Blvd., residence, erect, $280,000. Cornice Unlimited, 2300 NE 63, assembly hall, erect, $250,000. Blake Harper, 10713 Granada Drive, residence, erect, $250,000. Spring Creek Homes LLC, 1704 NW 194 Circle, residence, erect, $220,000. Gary Owens Carpet & Construction Inc., 10500 Birdnest Court, residence, erect, $212,000. Case Development Corp., 14025 N Eastern Ave., apartment, erect, $207,100. Case Development Corp., 14025 N Eastern Ave., apartment, erect, $207,100. Case Development Corp., 14025 N Eastern Ave., apartment, erect, $207,100.
Rent to own-good area, Warr Acres, NW 67th 3bed 2bath 2car Call now 476-7561
BANK OWNED 5 or 6/3.5/3 4585sf, 1.68 acres. Nice! $289KArlene CB 414-8753
Del City Acreage For Sale
4725 SE 19 3,1,1 & 4005 Corbett 3,2,2 417-2176 www.homesofokcinc.com
ACREAGE HOME SITES AVAILABLE » The Ranches at Olde Tuscany 1+Ac Moore Schls » Olde Tuscany III 5-10 ac Moore Schools » The Timbers 5 ac Moore Schools » Montecito 1+ ac Norman Schools » Belleau Wood 1+ ac Edmond Schools » Stillbrook Glen 2.5-10 ac Bridgecreek Schools Call Mike 317.0582 landmarkfinehomes.com Visit one of our fully furnished model homes today! *We build on your lot or ours* 1N to 10A, E. of OKC, pay out dn. before 1st pmt. starts, many are M/H ready over 400 choices, lg trees, some with ponds, TERMS Milburn o/a 275-1695 paulmilburnacreages.com OWNER FINANCING 1-28 Acres Many Locations Call for maps 405-273-5777 www.property4sale.com Payout dn pmt before 1st pmt starts. Your opportunity to own land, 40 areas, E, NE, SE of OKC 1N A. Milburn o/a 275-1695 terms 1.25A Indian Hills Rd 6K 4A Nicoma Park 15K 1900 NE Grand 12K 417-2176 www.homesofokcinc.com 240 Acres excellent hunting land 15 miles E. of Wilburton, OK. $480/per acre. Will consider offer. 573-896-8667 BUILDING SITES PIEDMONT Eastwind Estates II, 3/4 and 1 Acre lots, Leon 373-4820 Overland Ex Realty Call for Maps! See why we sell more acreages than anyone in Okla. E of OKC. o/a 275-1695 5 acres, corner lot w/small pond, Moore schools, SE 164th & Air Depot $59,900 Fidelity 410-4300 692-1661 Lake Texoma-6 acres, 22 sf manufactured home 2200, 30' x 50' bldg. $138K obo. 580-561-6424 11938 Marlowe, Lg 4 bd 3 ba 2 car on 1.3 A Moore sch Agent 473-3247 www.homesofokcinc.com 5 acres wooded, close to Lake T-Bird. Mobiles OK Call 820-5587
Condominiums, Townhouses For Sale 304
Nantucket Condo 2 bed, 1.5 bath $81,000 Call 405-386-6815
Farms, Ranches For Sale, Okla. 308 Real Estate Auction McAlester, OK Nov. 13, 2010. 195 Acres selling in 3 parcels. Executive home, manager's home, tractors, farm equip., household, misc. Call United Country, Hendren & Associates 918-2534133 or LeRoy 918-6950808 for information or brochure, or see www. unitedcountry.com/jayok Preview: Nov. 7, 2-3 PM •House & 60 acres, barn. W. of Crescent • 160 acres, pond, Great Hunting. NW of Crescent Call Rob @ Ochs R.E. 405-519-6982
Lovely custom built home, extra large living area w/skylight, fireplace, 3bd 2ba 2-car, beautiful area, mint condition, only $128,500 Fidelity RE 410-4300, 692-1661 Ready to M/I. 3bd brick, lg. rms, frml. din, ch/a, access to back & more. Mid $90's. Call Malones M-F 670-1411
Sharp 3BD 2car fireplace, completely remodeled, ch/a. $94,500, Fidelity RE 410-4300, 692-1661
Reduced $10,000 for Quick Sale Sharp spacious home 3bed 2bath 2 car, ch/a, excellent cond, nice area. Only $99,500. Fidelity RE 410-4300, 692-1661 BANK OWNED 3/2/2 brick ch/a, near .25 acre, 1335sf $79.5K Arlene CB 414-8753
5 bed, 3 bath, 2 kitchen, solid oak doors & trim partial oak flooring, lots of oak built ins. 2 cargarage, 2 car enclosed canopy, 2 seperate entrances, enclosed patio & hot tub, sprinkler system, 2 storage buildings, window awnings. Can be used as a Duplex. 12727 Silver Lane (SE corner of N. May & Silver Glade) $188,000. Shown by appointment only. Call 405-751-0244. Spacious 3bd 1.5ba brick home w/office or studio w/private entrance, ch/a, formal dining, completely remodeled. Nice well kept area. Only $99,750 Fidelity RE 410-4300, 692-1661 3420 NW 25th Street, 1450 sq ft w/garage conversion, 3 bed, 1.5 bath, 2 story, 1 car carport. Appraised for $95,000 ("as is"). Asking $69,000 or make offer. Call Nate 715-5105 2506 NW 20 4/2K /2 4621 NW 33 Terr 4/2K /2 417-2176 www.homesofokcinc.com OWNER FINANCING $1000 down No Credit Ck 2133 Cashion 2/1 $58,000 ¡ 596-4599, 410-8840 ¡ BY OWNERElegant 2300sf 3BR in spectacular area, marble/granite $259K may carry some 603-7665 7333 NW 126th St, 3 bd, 2 ba, 2 car, ch&a, 1380 sq ft, $108,000, 514-7376.
SMALL RANCH nearly new, 3bd 2ba 3gar. Seller to help finance or lease to own. 405-395-7315
Spacious 2bd brick home w/2 living, fp, ch/a, complete remodel, good area, close to schls, landscaped yard, large 24x12 shop w/elect, heat & 220 Only $87,900 Fidelity 410-4300, 692-1661
Open Sun 2-4, 4707 N Donald Ave, Bethany schools, approx 1500 sq ft, fully remodeled 3 bed, 2 bath, 405-426-5766.
Owner Carry 2235 SW 51 3, 1 PH: 417-2176 www.homesofokcinc.com WOW! $43K Nice, lg 3bd, fenced, huge gar/stor bldg 3608 SW 22nd 596-8410
5215 HART DR NE 5Ac 5Bd, 3K Ba, 2 Liv, 1 Din, 3 Car, 3900 Sqft (MOL) Lg living areas. Pipe & Cable fence $375K Leon 373-4820 Overland Ex Realty, Inc
Tuttle Schools 4bd 2ba 3car saferoom & pool on 1.5 acres 405381-2522 / MLS#436955.
Village/ Nichols Hills 329.5 1118 Larchmont Lane Nichols Hills. 1,945 sq ft, 3 bed, 2 bath, 1 living, 1 dining, 2 car, Appraised for $335,000 ("as is"). Asking $299,900 Call Nate 715-5105
Open Houses 334.2 OKC NW: Open 11/6 & 11/7 2-4. 8908 N. McKeee Blvd. OKC Northridge Addn
Real Esate Auction Hinton, Oklahoma Friday November 19, 2010 10:00 am Only 4 miles from I40 Exit 104 41 acres mol Canadian River Bottom Farm. Good access to Water and Execellent Deer Hunting. SE/4 Sec. 22-12-10, Canadian Co. 405-542-7030 Tillman Auction
Lots For Sale 337 1 acre 6 miles east of Tinker, development with covenants, $27,500, 405-210-7122, 820-8704.
Mobile Homes, Manufactured Houses 339
OWNER FINANCING $2000 down No Credit Ck 3104 SW 51 3/1 $49,000 2516 Murray 3/1 $49,000 ¡ 596-4599, 410-8840 ¡ UPDATED 3/1.5/1 on .25ac 24x24 Workshop 1600sf $49.5K Arlene CB 414-8753
Real Estate Notices
1, 2 & 3-Room Suites $150 & up ¡ 50th & N. Santa Fe area 235-8080
cash for any property!! I BUY HOUSES Any condition. No cost to U 495-5100
Real Estate Wanted
Heard of a SHORT SALE? SELL YOUR HOUSE TODAY! Foreclosure/behind Pymts 340-9879/HouseKings.com
REAL ESTATE AUCTION Ardmore, OK Nov. 18, 10 AM. Building with over 19,000+ sf of space plus over 6,000 sf upper level which includes apartments and office. Building previously housed a sign company. Also selling personal property--lots of transformers and misc. United Country, Hendren & Associates 918-253-4133 and United Country, Wilson Realty 580-2233699. For info or brochure, call either office or LeRoy 918-6950808 or Kelly 580-2226248 or go to www.unitedcountry.com/jayok or www.ucwilsonreal ty.com. Also selling 90 acres near Healdton, OK surface and mineral rights. LeRoy Hendren
Established Business For Sale Shipping Store For Sale Established shipping/ packaging store located in high traffic Oklahoma City area. Serious inquiries only. Please call Carol (405)204-6449
Long Est. Barber/Style Shop For Sale in NW OKC. 789-0341/324-0157
Land/Home Repos Many locations around OK. Save $1000’s E-Z Qualifying 405-787-5004
FINE JEWELRY AUCTION See AUCTIONS, Sec. 5030 COOK AUCTION COMPANY
Investment Property For Sale 355 Receiver Sale: 224 unit apartment complex in OKC. Sale to take place 11/17/2010 at 10am at 120 N Robinson Suite 1920, OKC. For more info contact Mike Hunter at 405-235-3040 or email@example.com
3/2 Bath set up in quiet park. Ready to move in. 405-631-7600 405-602-4526
PRICED TO SELL! 1224 NE 19th $26,900 2118 N Prospect $26,900 5021 Fairmont $59,900 Prices Neg. Kruger Inv. Jim, 235-9332/812-1657
4/2 Bath set up w/2.5 Acres. Call for Details 888-878-2971 405-413-7257
Business Property For Rent 360
4 bd, 2ba, on 2 acres, close to SE 149 & Anderson • 820-8330 • DW on Acreage, 3 Bed/ 2 Bath, 1350 sf, Harrah Schools ¡ 405-412-6236 4 bd, 2ba, on 2 acres, close to SE 149 & Anderson • 820-8330 • Repo 16x80s starting at $19,900 301-2454/517-5000 06 Repo DW 3x2 1600sf. Call 301-2454/517-5000 $19,900 3x2 DW needs a little work 301-2454/517-5000
Real Estate Auctions
Garfield, Grant & Noble County Land • OK Cropland • Cattle Production • Hunting Mary Sebranek Estate
Selling to the Highest Bidder - No Reserves NOV 15th & 16th 10 AM Additional info look online or call 580-237-7174 LippardAuctions.com
New bldg I-35 front, 1900 sf. warehouse, ofc, kitch., heat/air $1000 208-9981
Industrial Property For Rent 361 Building For Lease 3500 sqft, with approx 2 acres, 638 N. Meridian. 405-412-5441 or 405-947-0200 Warehouse/Office I-40 & Meridian, 2200-4819sf, 946-2516
Office Space For Rent
GREAT Space OFFICE Convenient NW Locations: I-40 & Meridian NW Expressway & May Britton/Lake Hefner Parkway 200-6000sf 946-2516
*FIRST MONTH FREE* with signed 1 year lease. 1-6 rooms, some furnished. Currently remodeling. NW 63rd & Portland. 640-8206
East Heritage Hills 1bd 1ba 137K NW 17th 750sf wood floors, balcony patio $550/mo $400/dep 409-7989 Mesta Park 804 NW 21 K Off Special 2bd 1ba 1000sf wood flrs, ch/a Free Laundry $600mo $400dp 409-7989 no sec8
3400 N Robinson 850sf $400/mo $200/dp 1bd 1 bath apt 409-7989 FREE LAUNDRY no sec 8
I BUY & SELL HOUSES 27 YRS EXP 650-7667 HOMESOFOKCINC.COM
Commercial Property For Sale
15924 Big Cypress Drive, residence, erect, $100,000. Sooner Traditions LLC, 15904 Evan Court, residence, erect, $100,000. Sooner Traditions LLC, 15900 Evan Court, residence, erect, $100,000. Sooner Traditions LLC, 2401 NW 194 Terrace, residence, erect, $100,000. Home Creations, 19708 Adagio Lane, residence, erect, $89,900. Ideal Homes of Norman LP, 18404 Abierto Drive, residence, erect, $85,000. Home Creations, 12148 NW 133 Terrace, residence, erect, $84,800. Home Creations, 12128 NW 133 Terrace, residence, erect, $84,100. Home Creations, 12021 NW 133 Terrace, residence, erect, $82,500. Home Creations, 12140 NW 133 Terrace, residence, erect, $82,200. Home Creations, 12124 NW 133 Terrace, residence, erect, $82,200. Home Creations, 12149 NW 133 Terrace, residence, erect, $81,500. Home Creations, 12144 NW 133 Terrace, residence, erect, $81,400. Goodman Networks Inc., 2804 Indian Creek Blvd., tower-antenna, install, $80,000. Home Creations, 2249 NW 197, residence, erect, $77,500. Home Creations, 12132 NW 133 Terrace, residence,
Beautiful 2bd TH lrg prvt patio. Reasonable rent. $400 Special Willow Walk, 789-2692
Inc., 5704 SW 134, warehouse, add-on, $157,000. Stoneridge Enterprises Inc., 6400 S Indian Meridian, residence, erect, $155,000. Oklahoma Diamond Group LLC, 1301 Brody Court, residence, erect, $150,000. Spring Creek Homes LLC, 1909 NW 193 Circle, residence, erect, $150,000. Two Structures LLC, 15933 Big Cypress Drive, residence, erect, $150,000. M&D Homes LLC, 11701 SW 16, residence, erect, $130,000. Ideal Homes of Norman LP, 18308 Bodegon Road, residence, erect, $123,000. Home First Inc., 14735 SE 75, residence, remodel, $120,000. Ideal Homes of Norman LP, 313 Partridge Run Road, residence, erect, $117,000. SWM & Sons Inc., 10701 SE 51, residence, erect, $114,380. Home Creations, 16105 Juliet Drive, residence, erect, $113,400. Dwellings LLC, 432 NW 17, residence, add-on, $100,000. Silvergate Construction, 3000 N Villa Ave., storage, erect, $100,000. Silvergate Construction, 3000 N Villa Ave., storage, erect, $100,000. Silvergate Construction Inc., 3000 N Villa Ave., storage, erect, $100,000. Sooner Traditions LLC,
Oakwood Apt 5824 NW 34 1 bd 1 bath $325/mo $175 dp K off special 409-7989
WE BUY HOUSES 1-800-SELL-FAST www.1800sellfast.com
Repo or New Land/Home Packages set up on 1 to 5 acres. Quick & E-Z. Call for Details. 888-878-2971 405-635-4338
Rent to Own $550 month includes lot 3bd/1ba all electric Edmond 3 4 1 - 9 2 0 9
Norman, 808 NW 24th Ave, up to 2200 sq ft avail, $10 per sq ft, call Jason at 314-6122.
Franchise Donut Shop Price Reduced, Busy Location, New Equip. 474-3435
JUST ARRIVED $19,900 or $335mo. FREE Del/Set, A /C E-Z financing 3bd w/ vinyl siding shingle roof 405-470-1330
Office Space For Rent
DO NOT Call Unless… Foreclosure/Behind Paymt Overleveraged/Repairs Call/Web 800-Sell-Now.com
Special Program Own Land/ Family Land use land to get new home. Quick & E-Z Program. We do it all for you. 1000 furniture package with purchase 888-878-2971 405-204-4163
3,319 +/- Acres 2740 SW 46th Pl, 2/3 bd, 1 ba, 1 car, $95,000 or lease to own, 275-1745.
RE for sale Bethany/ Warr Acres
Case Development Corp., 14025 N Eastern Ave., apartment, erect, $207,100. Case Development Corp., 14025 N Eastern Ave., apartment, erect, $207,100. Case Development Corp., 14025 N Eastern Ave., apartment, erect, $207,100. D.R. Horton, 3440 NW 176, residence, erect, $200,400. 4 Corners Construction LLC, 11916 Gwendolyn Lane, residence, erect, $200,000. E-Z Living Homes Inc., 4709 SW 124 Place, residence, erect, $200,000. Jeff Click Homes LLC, 17705 Sparrowhawk Lane, residence, erect, $200,000. Liquid Environmental Solutions of Oklahoma LLC, 8524 SW 2, equipment, remodel, $200,000. Olde World Classics LLC, 17433 White Hawk Drive, residence, erect, $200,000. American Building Contractors & Developers LLC, 920 NW 194 Terrace, residence, erect, $180,000. Baer Hall Homes, 304 SW 170, residence, erect, $180,000. R&R McGarry, 2732 SW 124 Terrace, residence, remodel, $175,000. Gary Owens Carpet & Construction Inc., 11809 SW 18, residence, erect, $160,000. Gary Owens Carpet & Construction Inc., 11813 SW 18, residence, erect, $160,000. Apollo Building Systems
SATURDAY, NOVEMBER 13, 2010
Affordable Senior Housing 55 and Older 1 Bedroom Apts.
Call Today 405-348-4065 ROSEWOOD MANOR
Affordable Senior Housing 55 and Older 1 Bedroom Apts.
Call Today 405-348-4065 LARGE EFFICIENCY APT Kitchenette, all bills pd Immediate occupancy CALL RAJ 202-0176
Cute 1bd & efficiencies. Laundry on site. Clean & quiet $300-$350 399-9200
$200 OFF RENT 1 & 2 bedrooms. Spring Tree Apartments. 405-737-8172. 1 & 2 BEDROOMS, QUIET! Covered Parking Great Schools! 732-1122
$99 move in special Lg 1bd quiet, clean, coin lndry on site, pool $365mo 794-5595
Furnished 1 bed $465 All Bills Paid off NE Kelley 427-7566
1 & 2 BEDROOMS Furnished & Unfurnished NEWLY REMODELED GATED COMMUNITY
Furnished/Unfurnished Bills Paid » Wkly/Monthly Wes Chase Apts, Elk Horn Apts, Hillcrest 943-1818 MAYFAIR GARDENS Best value, w/d, wood flr, $99 special, 947-5665 Bills pd clean quiet furn eff/1bd $100/wk&up 10& Penn 751-7238/640-9413
7301 NW 23rd
787-1620 Plaza Apts-1740 NW 17 Art Deco, K Off Move in Special! 750ft 1bd 1ba, cha, all elec, wood or tile floor, $450mo $200dp. No sec 8 409-7989 Florence Apts-Midtown1bd 1 ba Studio 600sf, Granite Counter tops, wood floors, CH/A, All Elect, Free laundry $600 mo, $400dp 409-7989 NICE 1 & 2 Beds Furnished & Unfurnished. starting at $450. Small complex near NW 23rd & MacArthur. 370-0278 $1 FIRST MONTH Your choice of 1 Beds ALL BILLS PAID 2 Beds also 345-5761 DREXEL ON THE PARK 2810 Dorchester Dr Apt 5 spacious 2bd 1.5ba, large living area, ch/a, completely remod, $575 mo. Fidelity RE 410-4300, 692-1661
PCN-nice area no sec 8 no pets $775-500 dep, courtyd 3/2/2 942-5178 4049 NW 34th NO SEC. 8 3/1.75/1 w/fp, $875mo $600dep 408-3074 2317 Woodward 1bd 1ba 1car $550/mo $300/dp 900sf 409-7989 no sec 8 Spacious, quiet, secure 2 bed duplex, $775 Call 826-2345.
6523 Avondale 3bd 3.5ba 2car $1200/mo $1000/dp 2300sf 409-7989 no sec 8
2bd $525Casady 751-8088
BANK ON IT!
•ABC• Affordable, Bug free, Clean » 787-7212»
Furnished/Unfurnished Bills Paid » Wkly/Monthly Wes Chase Apts, Elk Horn Apts, Hillcrest 943-1818
1 & 2 beds, D&S Apts, 6101 S Klein Ave. ch&a, No Sec 8. No Pets. 631-2383 $99 SPECIAL Lg 1bdr, stove, refrig., clean, walk to shops. $325 mo. 632-9849 Furnished/Unfurnished Bills Paid » Wkly/Monthly Wes Chase Apts, Elk Horn Apts, Hillcrest 943-1818 $99 Move In Special!!! Lg 1 and 2 Bdr, $325 to $395 mo. 632-9849 San Tee Apts. sm eff. $275/mo $85/dep Plus elec 685-2909 9a-5p
$355Furnished Efficiency 2820 S Robinson 232-1549
1809 NW 12, 1 bd, 1 ba, new carpet, cntrl heat, total elec $425 936-9058
Duplexes, 3 bed, 2 bath, 2 car, some new, some gated, call Rick, 405-830-3789.
$201 Total Move-In Cost Energy Eff., $301 move in/1 bd, $401 move in/2 bd. $1 First Week Rent Weekly Avail: Effic $115 1bd $125, 2bd $165 616 SW 59th, between Western&Walker634-4798 Drug free environment Not all bills paid
»»»»»»»»»»»»» » Yukon All Bills Paid » » 1 bd From $495 Move» » 2 bd From $595 In» » 3 bd From $695 Today» » Open7days/wk354-5855 » »»»»»»»»»»»»
Condominiums, Townhouses For Rent 441 14305 N Penn 2 bed 2.5 bath cable paid gated $895mo 748-8520 www.redbudrealestate.com The Crossings: 2bd, 2ba, FP, W/D hkup, garage, pool, enclosed backyard, clubhouse ¡ 340-8147 YUKON 2 br, 2 ba, 2 car gar $650/mo + $500 dep. No pets 405-209-4084
OLDETOWNE 2 bed, 2 bath, 2 miles to Tinker, 769-7177.
512 NW 141st, beautiful, Edmond Schools 3/2/2 $950/mo. ‘ 749-0603 Bryant & Danforth area 3bd, 2ba, ch&a, FP, fncd, 1350sf $975mo 210-8612
6527K Avondale Dr Upstairs unit, 1100sf, $950/mo $800/dp 1200sf 2bd 1 ba 1car 409-7989
3 bd, 2K ba, 1425 sf, stv, frig, d/w, 1317 Mary Lee, $825+$400 dep, 478-3060
2/2/2, $735 mo. + $350 dep. 7907 Harvest Moon Rd. 210-8993
» MOVE IN SPECIAL » LARGE 1, 2 & 3 BEDS Rockwell Arms, 787-1423
Putnam Heights Plaza 1 bed, ch/a, Dishwasher 1830 NW 39th 524-5907
2408 NW 164 Ter 3bed, 2ba, 1286 sqft $1,100 210-392-8527
3 bd, 2 ba, 2 car, built in 2006, appr 1800 sf, $1100 Call Alex 990-0488
Village/ Nichols Hills 459.5
800 N. Meridian: 1bd, all bills paid & weekly rates available. 946-9506
Large 1300 sq ft upstairs 2 bd, appls, w/d hookup, cent heat, 1410K NW 21st, $565, 301-5979.
2bd 1.5ba ch&a w/d hkup new tile/crpt, 3815 NW 23, $495+$200, 550-8066
First Month’s Rent LARGE TOWNHOMES & APARTMENTS • Washer, Dryers, pools • PC Schools, fireplaces
New Luxury Duplex 13516 Brandon Place 3/2/2, fp, Deer Creek Schls, near Mercy. Model open 10-4 842-7300
New carpet, paint, lg 1bd 2607 Dewey $400 232-9101
Furn 1BD most bills Paid + EMSA, no sec 8 and no pets, 524-2730
WEDGEWOOD VILLAGE 1,2,3Bd, w/d, gated, fitness, great location 848-6666
CAVE CREEK ON ROCKWELL 3037 North Rockwell
LUXURY 2bd 2ba 1900sf 2 car garage. $1000 mo includes lawn care maintenance 405-759-4662
1002 Bell Dr. Immac. brk, 2/1/1, no pets/smoking, ch&a $650 + dep. 705 Holoway Dr. For sale/lease, remodel, 3/1.5/1c. $800. 787-8099 1 mi E of Tinker, 3bd/1ba ch/a, util rm, $475+ $300 dep, No pets, 732-4351 3 bed, 2 bath 1 car, ch&a, W/D hkups, Mid-Del Schls, Sec 8 Ok 417-3333 1005 Holly Drive, 3/1/1, ch&a, no pets, $550, Giles Ent, 670-4833, O/B. 1016 Willowbrook Dr 3bd 1.5 bath plus den $650/mo • 408-5836 9100 Jennifer Pl 3/1/1$475 3605WoodsideDr3/1/1 $475 681-7272 804 Stansell 2/1/1, ch&a, W/D hookup $600mo $450dep. 701-1722
821 Oak Creek Dr 3/2/2 2200sf, fp, study $1250 10100Southridge3/2/2 $875 13515 SE 149th 5 acres 4/2, 2700sf $1175 WAC Home&RanchRlty 794-7777 Awesome, remodeled. New paint in & out. 3/1.5/2, ch&a, $800mo $700dep no pets 410-9751 move in ready! Remodeled, 3 bd, 2 ba new CH/A $900/mo or sell 1705 Rockhollow Call 203-7007
RE for rent
NW 7th Pl & Santa Fe, nice 3 bed, 1K bath,$750 mo + $650 dep. No pets, no section 8. 691-5479
Bethany/ Warr Acres 464.5
Nice 3bd 2ba 1900sf. 2 car garage. $1500mo incl lawn care maint. 845 SW 39th 405-759-4662
Rent to own-good area, Warr Acres, NW 67th 3bed 2bath 2car Call now 476-7561 Condo 2bd 2ba, 8095 NW 23rd in Raintree. 1yr lease $595 mo. 722-9696 Rent To Own: NW 57th 3bd 1.75bth move-in ready $845/mo 633-2677
Country home on 40 acres, horses negotiable, 45 minutes from downtown OKC, for sale or rent, $1200, 919-6759.
3120 Longridge 4bd $795 3923 SE 14 Pl 3/2/2 $695 4032 Thomas 3bd $495 4324 SE 38 3bd $495 Others Free List 605-5477
535 Hillcrest Lane, 3 bed, 2 bath, 2 car, ch&a, 1550 sf, no smoking, no pets, Mustang Schools, $1050 month, $900 deposit, 405-262-0179
17170 Hickory Trl 3/2/2 ofc 2.5ac, 1780sf $1100 WAC Home&RanchRlty 794-7777
817 NE 81 5bd ch/a $795 1817 NE 53 4bd ch/a $795 3328 NE 14 3bed $495 1718 Madison 2bed $450 Others Free List 605-5477 1812 NE 24th, 3bd 1ba, lg utility w/hookups $425 681-7272
2409 McCracken, 3 bed, 1 ba, ch&a, new cer tile, crpt, paint etc. no pets, $575+deposit. 990-3152
LOVELY 3 BED, 2 BATH, 2 CAR, FIREPLACE LOADED, $800. 737-6733
2928 NW 12th 2bd 1ba duplex $475 3041 NW 29th 3bd 1ba, ch/a $495 1033 Hoyt 3/1/1 $575 681-7272
3 bed detached garage, backyard. Avail 11/15 405-637-4406 2 bed 1 bath 1 car $565mo $500 dep w/early pay discount! 740-8419. 4213 Kim Dr 3/1.5/1 $695 681-7272 3629 Teal Dr 2 bd 1 bath $475/mo • 408-5836
505 NW 138 3/2/2 $895 18300 Tambor 3/2/2 $1095 523 Nimrod 2/1.5/1 $700 Express Realty 844-6101 www.expressrealtyok.com Oak Tree Townhome 6125 Stonegate Pl- Gated 3bed 3.5Ba 3 Car 4231' $3300mo 748-8520 www.redbudrealestate.com 3 bed, 1.5 bath, approx. 2200sf. $930/mo Call Alex, 405-990-0488 1521 Concord Ln. 3-4/2/2 Edmond Schls, very nice, $1200 mo. 330-8978
6717 NW 131 3/2/2 $1095 3509 Zedna 2/2/2 $795 6704 NW 124 3/2/2 $1025 12304WalnutCrk3/2/2 $950 Express Realty 844-6101 www.expressrealtyok.com 2 bd, 1 ba, din, w/d hkups, ch&a, stove, detached gar, carport, $525/mo, $525/dep. No pets. 2124 NW 35th. 340-8416 2321 NW 22nd spacious 2bd brick w/basement, 1-car detached garage, fresh paint inside/out, only $495 Fidelity RE 410-4300, 692-1661 TH-Nice, 2/1.5/2, appliances, w/d, no pets/sec 8, $550 + deposit. Only Exc refs need apply. (405) 663-2031 or (405)326-0976 1514 NW 17th Colonial Home 4bd 2ba 2car 2000sf wood floors large kitch, mature trees $1200/mo $1200dp 409-7989 no sec8
erect, $77,300. Home Creations, 12129 NW 133 Terrace, residence, erect, $77,300. Home Creations, 12125 NW 133 Terrace, residence, erect, $77,000. Home Creations, 12136 NW 133 Terrace, residence, erect, $77,000. Myers & Associates, 2814 NW 37, automotive repairwash, remodel, $75,900. Central Oklahoma Habitat For Humanity, 624 N Wisconsin Ave., residence, erect, $75,000. Central Oklahoma Habitat For Humanity, 509 N Wisconsin Ave., residence, erect, $75,000. Central Oklahoma Habitat For Humanity, 517 N Wisconsin Ave., residence, erect, $75,000. Central Oklahoma Habitat For Humanity, 1857 NE 6, residence, erect, $75,000. Climacool, 1800 W Sheridan Ave., manufactured home, remodel, $75,000. Manco Construction Services, 2500 SW 120, residence, fire restoration, $75,000. Case Development Corp., 14025 N Eastern Ave., clubhouse, erect, $57,900. Matt’s Remodeling & Renovation Inc., 213 NW 34, residence, add-on, $52,000. North Pointe LLC, 530 W Interstate 240 Service Road, business, remodel, $50,000. SEE PERMITS, PAGE 10F
21951Horseshoe4/3/2 $1295 12409 Covey Crk 3/2/2 $895 4014 Westridge 4bd $795 617 NW 92 3/1/1 $495 Others Free List 605-5477 2/2.5/2 TH w/study, FP, W/D, appls, 1870sf, pool. No smoking or Pets $975 63rd & Villa, Property Mgmt & Realty, 359-0011 2100 NW 114th Amazing 3bd 2ba 2 car $1100/mo $1100/dp 1600sf 409-7989 no sec 8 Nice lrg 3 bd, liv/din, appls, laundry rm w/d hkup no pets/no sec 8, $565. 1941 NW 15 557-1288 $700/mo 2 BR 2 BA, 2 car gar, fenc-brick wall, iron gate, nr 30th Terr/Rockwell, 410-5413 1424 NW 94 2 or 3bd $550 2337 NW 38th 2bd $450 FLESHMANS INC 235-5473 or 314-3551
New Rivendell Exec Home 408-4168 Luxury indoor pool & spa Fully equip'd media & wrkout rooms $5100/mo Openhouseok.com Luxury Rivendale lake view 4bed 2.5 bath 3car garage. Amazing home! $2000per mo. $2000 dep. 410-9751 move in today 5324 S Independence 3bd Sec 8 $700 2236 SW 32nd 2bd $350 FLESHMANS INC 235-5473 or 314-3551 3513 SW 36th, 3 bed, 2 bath, washer/dryer hk-up, 1 car garage, w/appliances 405-570-5865 3920 Youngs Pl 2/1 $450 6013 McKinley 2/1 $400 2504 SE 47th 3/1/1 $700 Goforth Prop 410-9777
2 bed, 1 bath, $575 mo. $350 deposit. 3021 W. Hill St. 405-826-1471
2420 SW 35th Nice 3bd 2car detached garage, clean, fenced $495 Fidelity RE 410-4300, 692-1661
3 bed, 1 bath, ch&a, 4005 NW 8, alarm, lawn care, appls, $640mo, 664-6673
3 or 4 bd, 1 ba, 1500 sf $700mo, $700dep. 5021 S Villa ‘ 405-205-3328
4100 Holiday Pl. 3bd 2ba 2car $900 748-8520 www.redbudrealestate.com 4204 NW 53 1Bd 1Ba very nice $595 748-8520 www.redbudrealestate.com 7616 Kathryn Way, 3/2/2 ch/a, fp, fncd, utility, 1yr $895+$800 dep, 722-8878 7408 NW 6th Terrace. OKC 3 bed, 2 bath, 2 car, $650 mo. Call 990-0488 Cute rentals 3 & 2 beds $495-$650 Call 789-1111 3bd, 1.5ba, ch&a, 2c, recent remod, 300 NW 89, $695+$400 dep. 550-8066 Great 3 bd 4600 NW 11 PC schls CH&A no sec 8 $775/$600 dep 834-1800 4917 N. Detroit, 3-1.5-2, CH&A, $675MO. No pets, no sec 8. 942-2948 1743 Churchill Way. The Village, 2bd ch&a, compl redone $750mo 942-3552 3 bd, 1.5 ba, 1c, fenced, 233 NW 86th, $550 +1st & last. 817-480-8706 12116 Silver Sun Dr 3bd, 2ba 2,072 sqft Piedmont Schools 408-1288 For 3bd or 4bd homes & apartments, go to katpropertiesllc.com 4509 N. Hamilton 2 bd/1 ba w/gar $560/mo 408-5836
1624 SE 52 4bd ch/a $795 628 SE 13 4bd ch/a $695 1720 SE 51st 4bd $595 6216 S Kelley 3bd $595 649 SE 21st 4bd $495 6420 S Kelley 3bed $495 Others Free List 605-5477 2 SE 33rd, lg 2bd brick home, oversized detached garage, ch/a, clean, corner lot $550. Fidelity RE 410-4300, 692-1661 3 bed, 1K bath, 2 car garage, new carpet and granite, ch&a, 3208 SE 54th St $750 745-4414 3 bed, 1-2 bath, ch&a, 2car garage, $675 mo., $400 dep. 405-401-5538 608 SE 49th 3/1 ch/a $450 112 SE 40 1bd duplex$325 681-7272 Beautiful 3bed, 1.5ba, 2car, 4912 Creekwood Terr. $750/mo 749-0603 Sec. 8 OK, Newly remod, 4 bd, 1 ba $500dep+ rent 5304 Foster 414-2578
2236 SW 59th Pl 3bd 1ba 2car, 2 living ch/a $795 1616 SW 68th 3/1/1$695 600 SW 49th 2/1/1 $575 1217 SW 50 2/1/1 $550 3009 SW 20th 2/1 $450 2401 SW 43rd #7 1bd apt, total elect, water paid $325 681-7272 8105 S Hillcrest 4/2/2 $850 2905 SW 65th Pl 4bd $595 3304 SW 18 4bd ch/a $595 2228 SW 34th 3bd $495 3120 Parkview 2/1/1 $450 3220 S. Goff 2/1/1 $395 Others Free List 605-5477
5215 S Land 3 bed 1bath 1 car $700/mo $400/dp 900sf 409-7989 no sec 8 Nice redone 3 bed, 1.5 bath+den, ch&a, fncd, no pets, sec. 8 ok, 680-9299 2 bed, 1012 SW 27th. $400 month, dep. Drive by call 631-3960 to see 4/1.5, CH/A, 3304 SW 49 $650 rent, $350 deposit 692-7459 2601 SW 30th, 2 bd/1 ba $435/mo. 408-5836
Rent on historic Oklahoma quarter horse racing facility Purcell OK 3br/2b, 2400sf ranch style home on 7 acres. 3 car garage. Approx 15 min s of Norman, one m off I-35. Specific access to ranch amenities. $1500$1750/mo w/o horses, $2000+ depending on number of horses. Paul 619-980-9220
Elegant 3BR Exec Home Park-like yard on creek, cul-de-sac, never rented, 1900sf, $1375 310-3808 Lease w/option purchase beautiful 3/2/2, owner carry, $975 + deposit, 361-4885
2 bed, 1 ba, 1 car, firepl, Mustang Schools, ch&a, no pets. 826-2023. 10500 NW 40th Street 3-2-2 1800sf, $1075, New Carpet, 354-6876
Mobile Home Rentals 483 $ FREE RENT 1ST MO $ 2BR $350+, 3BR $450+, MWC NO PETS 427-0627
MANAGEMENT LEASING SALES SINCE 1982 Spectrum Management 848-9400 usespectrum.com LOTS OF SHADE 3613 NW 13th 721-4863 3bed, $450/$250 dep
F seeks dependable person to share house, $300 mo., util incl. 413-1657
SATURDAY, NOVEMBER 13, 2010
THE OKLAHOMAN | NEWSOK.COM
Credit score revisions could be eye-opener WASHINGTON — With foreclosures soaring — and homeowners with unblemished payment histories abruptly walking away from their houses with no advance warning to lenders — the two major producers of credit scores have begun changing how they evaluate consumers’ risks of default. The revisions could touch you personally the next time you apply for a loan. In late October, both Fair Isaac Corp., the developer of the FICO score that dominates the mortgage field, and VantageScore Solutions LLC, a joint venture by the three national credit bureaus and marketer of the competing VantageScore, outlined modifications they are making to handle the vast credit disruptions caused by the housing bust, the recession, high unemployment and behavioral changes by consumers. Overall, credit industry experts agree, consumer creditworthiness has dete-
Permits FROM PAGE 9F
Silvergate Construction Inc., 3000 N Villa Ave., storage, erect, $50,000. Silvergate Construction Inc., 3000 N Villa Ave., storage, erect, $50,000. Silvergate Construction Inc., 3000 N Villa Ave., storage, erect, $50,000. Silvergate Construction Inc., 3000 N Villa Ave., storage, erect, $50,000. The Stacy Group, 1703 NW 150, storage, erect, $50,000. Javier Flores, 3805 NW 23, residence, add-on, $50,000.
riorated in the United States since 2006, especially among what used to be considered the credit elite: people with the highest scores. For example, a study earlier this year by VantageScore found that the probability of serious delinquency — defined as nonpayment for 90 days or more — had increased by 417 percent among “superprime” borrowers between June 2007 and June 2009. Default risk during the same period rose by 406 percent for the secondhighest rated category of “prime” consumers, and nearly doubled for those at the “near prime” scoring level. “The driving force behind (the score revisions),”
according to Sarah Davies, VantageScore’s senior vice president for analytics and research, is the “significant change in consumer credit repayment behavior” that began during the housing bust and recession. Not only are borrowers who previously were rated outstanding credit risks far more likely to default today, she said, but many homeowners are defying longstanding credit industry assumptions by going delinquent on their first mortgage payments while simultaneously continuing to pay their credit card balances and second mortgages on time. Strategic defaults — walkaways — by high-score borrowers also have been an unexpected and shocking development, she said. To adjust its statistical models to these new realities, VantageScore said it researched 45 million active credit files obtained from the databases of its joint venture partners, Equifax, Experian and
TransUnion. The research examined the same files — with personal identifiers removed — during set time periods between 2006 and 2009 in order to capture emerging behavioral patterns associated with defaults on various types of credit accounts. The resulting VantageScore 2.0, which is expected to be rolled out nationwide to lenders in January, focuses on the subtle warning signs of credit stress that might have been missed earlier, and penalizes or rewards consumers with higher or lower risk scores than they would have received before. Joanne Gaskin, director of mortgage scoring solutions for Fair Isaac, said her company’s new FICO 8 Mortgage Score is based on similarly exhaustive research into consumer credit behavior changes over the past four years. When used by a lender to rate the risk of new applicants or existing mortgage customers, Gaskin said the mort-
gage score is likely to be anywhere from 15 percent to 25 percent more accurate in detecting signs of future default compared with the standard FICO model. Though she would not discuss proprietary details about the early warning signs the new score monitors, Gaskin said they include broad patterns such as the following: Say a borrower with a current 720 FICO score might have average balances on a first mortgage, home equity lines and other accounts that are higher than norms pinpointed by the revised scoring software. A 720 FICO is considered a good score by most mortgage lenders — often qualifying for favorable rates and terms. However, the same applicant might rate just a 680 FICO or lower if the lender used the new mortgage score. The lender would then have a choice: Reject the applicant, quote a higher interest rate on the mortgage or require a larger
Chris San Filipo, 17701 NE 192, storage, erect, $34,000. Sara Steiner, 7901 S Council Road, manufactured home, move-onmobile home park, $32,000. Sara Steiner, 2001 S MacArthur Blvd., manufactured home, move-on-mobile home park, $32,000. The Stacy Group, 1703 NW 150, accessory, erect, $25,000. The Stacy Group, 1703 NW 150, accessory, erect, $25,000. The Stacy Group, 1703 NW 150, accessory, erect, $25,000. The Stacy Group, 1703 NW 150, accessory, erect, $25,000. Randall Bone, 11404 Cedar Valley Drive, residence,
add-on, $25,000. Arturo Castillo, 636 SE 21, residence, add-on, $22,000. Darrell McGehee, 4601 SE 147, canopy-carport, addon, $20,300. Goodman Networks, 2804 Indian Creek Blvd., tower-antenna, install, $20,000. Justin Gober, 9705 Oakview Road, storage, erect, $19,800. Justin Gober, 9705 Oakview Road, storage, erect, $19,800. Ernigue Garcia, 5 SE 32, residence, add-on, $15,000. Advance Construction Inc., 6201 Sudbury Drive, residence, add-on, $10,000. Ladonna Dockray, 2644 SW 32, residence, add-on,
$10,000. Vladimir Chistiakov, 11000 S Western Ave., storage, erect, $9,000. Berryman Enterprises Inc., 10900 Hefner Pointe Drive, office, remodel, $6,000. Peruch Construction, 3300 NW 19, residence, add-on, $5,000. Chad Martin, 20001 SE 129, residence, remodel, $5,000. Smart Safe Shelters, 16201 Roland Drive, storm shelter, install-storm shelter, $3,000. Brandon Moradi, 3524 N MacArthur Blvd., retail sales, remodel, $3,000. Darrell Smith, 12400 Ponderosa Blvd., storm shelter, install-storm shel-
ter, $2,950. Alloy Buildings, 5228 SE 86, canopy-carport, addon, $2,700. D.R. Horton, 2221 NW 194 Terrace, storm shelter, install-storm shelter, $2,695. Kevin Caldwell, 3716 St. Augustine, storm shelter, install-storm shelter, $2,595. Ed Matlock, 6508 S Country Club Drive, canopy-carport, erect, $2,500. Chris George, 2224 NW 25, residence, remodel, $2,000. Bobby Simmons Jr., 2237 NE 16 Terrace, canopycarport, add-on, $1,600. Shirley McWaters, 220 SW 35, canopy-carport, add-on, $1,500. Gerardo Parra, 3724 NW
Kenneth Harney THE NATION’S HOUSING
down payment. Gaskin said the reverse could also occur: The FICO 8 Mortgage Score could come in higher than the standard FICO — indicating lower risk for the future — in situations where formerly troubled borrowers manage to put themselves back on a healthier credit track. Experts in the credit industry said the new scoring efforts by Fair Isaac and VantageScore should prove to be a net positive for housing and the mortgage industries if they can do what they claim: spot subtle risk patterns and nascent hints of improvement. But as a mortgage applicant you should know that your next score might not look anything like the score you thought you had. You might end up getting a better deal — or worse than you wanted — when lenders quote you rates and terms. E-mail Ken Harney at firstname.lastname@example.org. WASHINGTON POST WRITERS GROUP
11, canopy-carport, add-on, $1,200.
Demolitions Ray’s Trucking, 10701 SE 51, residence. Central Oklahoma Habitat For Humanity, 2415 NW 13, residence. M&M Wrecking Inc., 2801 N Classen Blvd., convenience store. M&M Wrecking Inc., 1407 NW 27, apartment. M&M Wrecking Inc., 4400 SW 29, vacant. K&M Dirt Services LLC, 2636 SW 63 Place, residence. Vladimir Chistiakov, 11000 S Western Ave., residence.